Equities are suitable as part of a diversified portfolio, in which the investment is distributed over a number of assets, minimising the investment's risk. Investing in equities requires you to keep track of the companies that have issued the equities, as well as of the general market conditions.
If you want to trade in shares, you must be willing to follow up companies and the market, as strong fluctuation in prices is typical of shares. Netbank trading services provide you topical information in a convenient manner.
- Trading and monitoring your assets and the markets in Netbank are effortless, as all information is available in the same place.
- In Netbank you can trade in over 2,500 share types and in over 20 market places. You can trade in Europe and North America on the largest stock exchanges.
You can invest in equities
- by buying the shares of a company directly on the stock exchange or
- indirectly by investing in equity and balanced funds or in investment bonds.
In addition, you can invest in equities by subscribing for shares in share issues or share sales where the present owners of the company sell part of their holdings to new investors.
The shares are in the form of book-entries and you will need a book-entry account for them. The book-entry account will be opened in the bank. After your trades have been completed you will receive a calculation to help you to settle capital gains or losses in taxation.
In order to be able to trade, you will need one of Netbank´s three trading services, in addition to the book-entry account. With the service you can submit buy and sell orders and monitor their status and the value of your investments.
Minimise risk through diversification
The return on an equity investment is dependent on the long-term success of the issuing company. On the long term, it is likely that an equity investment will generate a better return than a fixed-income investment, despite share prices sometimes rising and falling drastically.
The risks in equity investment are related to the general performance of the equity markets and the success of the issuing companies. Investments in foreign shares also constitute an exchange rate risk. Equity investors will gain a return from the dividends paid on the shares and from a rise in the shares' prices.
You can minimise risks by diversifying. You can reduce the company risk by spreading your investment over several companies and the market risk by investing some of your assets in fixed-income instruments. Funds are an excellent help in diversification. In addition, it is worth remembering time diversification. It means that shares should be bought and sold in several lots over a long period of time.
Monitor your orders and assets
From our two trading service options you can choose the package that best suits your needs. In all the services you can place orders concerning the following asset classes: Finnish and foreign equities and ETFs, Finnish warrants and certificates, Nordea funds, Nordea investment bonds, unit-linked insurance and investment agreements.
The trading services allow you to view your assets' current and historical information and return calculations.
Saver's service suits you if you follow the performance of your assets and submit trading orders from time to time. Real-time prices from the Helsinki, Stockholm and Copenhagen stock exchanges are available for the Saver's service.
Investor's service is your choice if you are a more active trader, follow the markets regularly and appreciate news and reports. For an extra fee, you can acquire Kauppalehti's news and real-time prices from US markets.
Compare and choose the package which suits you best
|Service||Saver's service||Investor's service|
|Price, EUR per month||0||4|
|Trading in over 20 equity markets||x||x|
|Fees structured to reward activity||x||x|
|Real-time prices: first bidding level|
|Kauppalehti's (KL) main news in real time||x||x|
|Nordea's Morning and Weekly reports||x||x|
|Corporate analyses by Nordea and Standard & Poor's||x|
|KL's real-time news, Balance Consulting Oy's key indicator analyses and access to KL's online publication||+ EUR 5
|Real-time prices, five bidding levels: Helsinki, Stockholm and Copenhagen
Real-time prices, first bidding level: USA
|+ EUR 5
|Additional purchasing power*, EUR||0||20,000|
|Package price with additional services, EUR per month||0||12|
* Additional purchasing power means that you can submit an order even if you do not have enough money in your account at the time.
In order to avoid your account being overdrawn, you must ensure that there is enough cover in your account at the time of debiting. The payment for a European stock exchange transaction is debited two (t+2) banking days and that of corresponding US transaction after three (t+3) banking days after the trade. A rule of the thumb is that the money should be in the account in the evening preceding the debiting.
The Investor’s service includes 20,000 euros of additional purchasing power. The Saver’s service includes no additional purchasing power. The extra purchasing power is applied to stock exchange trading, but not however, when the security in question is a certificate, a warrant or a turbo warrant.
Market places for trading
Using your Saver's or Investor's service in Netbank, you can trade in the following market places and equities traded in the same currency as that of the stock exchange.
In both of the trading services, price information from Helsinki, Stockholm and Copenhagen is displayed in real time. In the Investor's service price information in real time from Oslo stock exchange is also displayed and, with an additional fee, price information in real time from USA.
|Exchange||Currency||Trading hours (Finnish time)|
|NASDAQ OMX Helsinki||EUR||10.00-18.30|
|First North Finland||EUR||10.15-18.20|
|Bolsa de Madrid||EUR||10.00-18.30|
Limit price in pence (GBP)
|Borsa Italiana (Milano)||EUR||10.00-18.30|
L, M and S list equities, ETFs
|NASDAQ OMX Stockholm||SEK||10.00-18.30|
|First North Stockholm||SEK||10.15-18.20|
Settlement period T+2
L, M and S list equities
|NASDAQ OMX Copenhagen||DKK||10.00-18.00|
|* A stamp duty of 0.5% is levied on all purchases of shares quoted on the London Stock Exchange.|
If you have the Investor's or Trader's service in Netbank, you can monitor the markets and make investment decisions with the help of research and reviews prepared by Nordea and the services and analysis tools at Kauppalehti.fi.
Morning report (in Finnish)
Our morning report gives you an insight into movements in the equity markets, company news, and key market drivers of the day. The report also contains Nordea's Finnish and Nordic equity model portfolios as well as the Global recommendation list. The morning report is published daily from Tuesday to Friday before stock exchanges open.
Weekly report (equity markets; in Finnish)
On Mondays, the morning report comes out as an expanded weekly report. The report discusses the economic and market circumstances on a broader scale and highlights essential equity market events and topical themes of the coming week.
Finnish equity model portfolio (in Finnish and Swedish)
A model portfolio consisting of Finnish companies we consider attractive investments over the next 12-month period. The companies have been selected in such a way as to create a diversified Finnish equity portfolio. Company-specific reports are also available of the portfolio holdings. Changes in the composition of the model portfolio are reported in our morning and weekly reports.
Nordic equity model portfolio (in Finnish and Swedish)
A well-diversified model portfolio consisting of some 20 Nordic companies we consider attractive investments over the next 12-month period. Changes in the composition of the model portfolio are reported in our morning and weekly reports.
Global recommendations (in Finnish and Swedish)
A list of attractive non-Nordic companies from various sectors, trading in marketplaces available via Nordea.
Share of the Week (in Finnish)
An in-depth look at a selected company and the factors contributing to its current share price. The report is published mid-week, usually on Wednesdays. Users with our Investor's or Trader's service can access the publication in Netbank or request for it to be sent via e-mail. The publication acts as an in-depth analysis of a company favoured by the current market situation, not as a recommendation to buy or sell.
Company reports (in English)
To help with your investment decisions, Nordea Markets brings you analyses of nearly 300 key Nordic companies. Furthermore, you have access to the analyses produced by Standard & Poor's of around 800 non-Nordic companies, together with recommendations and target prices.
Fees structured to reward activity
|Courtage||< 150 e||> 150 e||> 500 e||> 1 000 e||> 2 500 e|
You can buy the real-time news content of Kauppalehti and the price package to complement your investor's service. Both services costs five euros and their overall price is eight euros. When your brokerage fees exceed 150 euros, the additional features are free.
The real time news service will no longer be available after 14 March 2017. The service depicting real time securities prices will remain available at a price of 5 euros per month. The service will be provided free of charge if your brokerage fees per quarter exceed 150 euros.
|Courtage||< 150 e||> 150 e||> 500 e||> 1 000 e||> 2 500 e|
|All markets||0.20 %
min. 8 e
min. 5 e
min. 5 e
min 3 e
|Maximum fee||All fees for stock exchange transactions have a one percent fee cap, which lowers costs especially for small trades. In practice, for trades under 800 euros, the one percent brokerage fee amounts to 0.01 to 8.00 euros for customers at the lowest price level. For example, the fee for a transaction of 100 euros would thus be 1 euro.|
|0.5 %, min. 40 e (all markets)|
|1 %, min. 60 e (all markets)|
|Courtage in last quarter||No courtage in last quarter|
|Private Banking customer
|Premium Banking customer and Key customer
|Corporate customer and other customer||0||2.95|
In the foreign exchange trading with non-euro stocks the currency fee is 0.3%. In addition,
- the London Stock Exchange charges a stamp duty of 0.5 % of the transaction price
- a transaction tax of 0.3 % is levied on the purchases of the shares of the largest listed companies in France. The tax is not levied on brokerage fees, and it is not applicable to sales of shares
- a transaction tax of 0.1 % is levied on trades of Italian shares. No tax is levied on brokerage fees.
The brokerage fee is 2 % (minimum 168.19 euros) in orders which cannot be transmitted automatically. The total fee charged from the seller, and in subscription right trading also from the buyer, is no more than half of the transaction price.
For orders that are valid for more than one day, the brokerage fee will be charged on the basis of the order's daily execution.
Advice on investments
You can reduce the risks involved in investing by spreading investments over fixed income and equity instruments.
You can receive our economists' forecasts and information on investment markets and individual investment alternatives online.